Rates
CERTIFICATE RATES
Certificate rates subject to change daily.
| Minimum Deposit |
Term |
Rate |
APY |
| $1,000 |
3 Months |
1.985% |
2.000% |
| $1,000 |
6 Months |
2.485% |
2.500% |
| $1,000 |
12 Months |
2.731% |
2.750% |
| $1,000 |
18 Months |
2.731% |
2.750% |
| $1,000 |
24 Months |
2.731% |
2.750% |
| $1,000 |
36 Months |
2.731% |
2.750% |
SAVINGS RATES
| Simple Dividend Rate |
Annual Percentage Yield Range |
Share Balance Required to Earn Rate |
| 1.50% |
1.50% |
$50.00 to $2,000.00 |
| 1.75% |
1.51% to 1.71% |
$2,000.00 to $10,000.00 |
| 2.00% |
1.71% to 2..01% |
$10,000.00 and up |
| IRA's 4.00% |
4.06% |
$50.00 |
They are paid using a daily balance method. A minimum balance of $50.00 must be maintained on a daily basis to earn a dividend for that day. Accounts that drop below $50.00 during a quarter will be charged a $1.00 service fee at the end of the quarter. A $10.00 service charge will be imposed if an account is closed before 1 years time. A $5.00 charge is imposed on accounts for transfers that bring the balance below $50.00 at the time of the transfer. Accounts closed before the dividend posting date (the last day of each quarter) will not receive a dividend for that quarter.
Rates posted reflect the most recent dividend paid. The actual dividend rates for current quarter may vary. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.
Premiums for a life insurance policy worth up to $2,000.00 will be paid by the Credit Union with this savings account. Certain age restrictions do apply. Ask for details.
Personalized Lending Rates
Loan rates are based on monthly income, stability of employment, credit history, current financial obligations and collateral offered. Rates shown are standard rates, actual rates will be determined with approved credit.
LOAN RATES
| Collateral |
Length of term |
Fixed Rate |
Payment Factor/$1000* |
| AA. 2008 Autos |
36 months |
6.00% |
30.43 |
| |
48 months |
6.25% |
23.61 |
| |
60 months |
6.50% |
19.57 |
| A. 2005-2007 Autos |
36 months |
7.00% |
30.88 |
| |
48 months |
7.50% |
24.18 |
| |
60 months |
8.00% |
20.28 |
| B. 2003-2004 Autos |
36 months |
8.25% |
31.46 |
| |
48 months |
8.50% |
24.65 |
| |
60 months |
9.00% |
20.76 |
| C. 2001-2002 Autos |
36 months |
9.00% |
31.81 |
| |
48 months |
9.50% |
25.13 |
| D. 1989-2000 |
36 months |
10.50% |
32.51 |
| E. All other Autos |
24 months |
12.00% |
47.08 |
| F. Share secured loans up to |
60 months |
6.00% |
19.34 |
| G. Loans under $1,500.00 |
fully secured |
15.00% |
|
| H. 100% signature loans |
|
15.00% |
|
| I. New Boats & RV's |
up to 60 months |
7.50% |
|
| J. Used Boats & RV's |
up to 36 months |
12.00% |
|
| K.. Commercial and Agriculture loans |
M-36 months |
8.00% |
31.34 |
| |
M-48 months |
8.50% |
24.65 |
| |
M-60 months |
9.00% |
20.76 |
| L. Member Business Loans |
Variable - Prime rate + 1.00% up to 7 years with minimum 8.50% |
| M. Home loans 10% down |
Var. |
.50% above prime rate on a Thirty year note - min 8.25% |
| |
Fixed |
1.50% above prime rate on a Ten year note with balloon |
| N. Home loans 20% down |
Var. |
prime rate on a Thirty year note - minimum 8.25% |
| |
Fixed |
1.00% above prime rate on a Ten year note with balloon |
| O. Visa Card |
10.99/14.99 |
|
|
Rates subject to change without notice.
* Payment Factor = amount of loan divided by 1,000, taken times the
payment factor. Example: The monthly payment for a new car loan of
$10,000 for 36 Months @ 6.00% is (10,000/1,000)=10 X 30.43 = monthly payment of $304.30.
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